Paving Contractor Insurance
Paving contractors work in one of the most hazardous trades in the U.S., facing risks like heavy equipment accidents, asphalt burns, and jobsite injuries. Paving contractor insurance is essential to protect your business from lawsuits, medical expenses, property damage, and more.
Choose the right coverage from trusted insurance providers.
Why do pavers need business insurance?
As paving contractors work on roads, driveways, and parking lots, they face some of the most dangerous professions in the United States. Having the right business insurance is essential to protect against heavy equipment accidents, asphalt injuries, and client lawsuits that can lead to costly incidents.
Whether you’re working on a busy worksite or using a cursor to check plans on a laptop screen, it’s important to have coverage that fits your needs. Eagle Nation makes it easy for paving contractors to compare quotes from top U.S.
Carriers with one application to get multiple quotes and ensure the right business insurance coverage. Several quotes can be obtained through an easy online application, making it simple to secure the best protection for your business.
What types of insurance do paving contractors need?
Paving contractors need essential insurance like general liability, workers' compensation, commercial auto, and property insurance. They may also require builder’s risk for construction projects and professional liability for mistakes in their work. These policies protect against common risks in the paving industry.
Business owner’s policy
This policy conveniently bundles commercial property and general liability insurance into one cost-effective plan for dealers. A BOP is ideal for securing auto shop insurance and shielding businesses from financial losses.
Under this plan
Customer injuries
Damaged customer vehicles
Damaged business property
Commercial auto insurance
A policy designed for dealers and repair shops helps pay for property damage and medical bills after an accident. It is required in many states for businesses that own cars.
Under this plan
Car accident repair costs
Vandalism and theft
Weather damage
General liability insurance
This policy covers basic liabilities for auto service businesses, protecting against dealer risks like customer injury at a repair shop. To maximize savings, businesses can bundle it with property insurance or a business owner’s policy for broader coverage.
Under this plan
Customer injuries at a repair shop
Accidental vehicle damage
Slander and advertising injuries
Workers’ compensation insurance
Workers’ comp is required for auto shops in almost every state to cover employee injuries and related costs. It protects both employees and sole proprietors by handling work injury costs that health insurance might deny.
Under this plan
Employee medical expenses
Partial wage reimbursement
Lawsuits
Tools and Equipment Protection Plan
Contractor’s tools and equipment insurance helps protect your construction gear no matter where you go. This policy keeps your tools and equipment safe while you’re moving them (in transit) or using them at a jobsite. To qualify, your items usually need to be valued under $10,000.
Under this plan
Equipment less than five years old
Mobile equipment
Small toolsa
Professional Liability Protection Plan
Professional liability insurance for contractors, also known as errors and omissions insurance, protects against financial losses when a construction mistake or oversight causes a lawsuit. This policy is key for handling claims related to your work and promises made to clients.
Under this plan
Accusations of negligence
Failure to complete construction
Failure to use promised materials
How much does insurance for paving companies cost?
The cost of insurance for paving companies depends on several factors:
- Size of the business: Smaller paving businesses with fewer workers will generally pay less in premiums.
- Types of services: The type of contracting services you offer, such as residential paving or commercial paving, affects the cost.
- Business property and equipment: The value of your business property and equipment will be taken into account.
- Business income: The income generated by your business plays a role in calculating insurance costs.
- Coverage options: The types of coverage you choose, along with policy limits and deductibles, impact the final cost.
How do I get paving contractor insurance?
Getting paving contractor insurance is simple if you have your company details ready. Here’s how you can easily get insured:
- Complete a free online application: Provide basic information about your paving business, like revenue and number of employees.
- Compare insurance quotes and choose policies: Review quotes from various providers to find the best option.
- Pay for your policy and download a certificate: Once you’ve chosen your coverage, pay for it and get your certificate of insurance.
Licensed agents at Eagle Nation help you find the most affordable and suitable coverage for your paving business, whether you’re a contractor, subcontractor, or employer.
Two ways to start your coverage
Quotes online
Talk to an agent
Verified business insurance reviews
Hear from customers like you who purchased small business insurance.
Common questions about Paving Contractor Insurance
Yes, in many states, certain types of insurance like workers' compensation and commercial auto insurance, are legally required for paving contractors. Even if not mandated, having the right insurance helps protect your business from lawsuits, injuries, and equipment damage.
Without insurance, you may have to pay out-of-pocket for medical expenses, property damage, or legal fees. This can severely impact your business finances or even lead to closure if the costs are too high.
Absolutely. Insurance providers offer flexible plans that can be tailored based on your business size, type of services, number of employees, and equipment value to ensure you're only paying for the coverage you need.
With platforms like Eagle Nation, you can get insured within minutes by completing a simple online application. You can compare quotes, choose a policy, and download your insurance certificate, often the same day.
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“Getting my Paving Contractor Insurance through this platform was quick and stress-free. I had quotes from top carriers in minutes and felt confident I got the best coverage.”